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About CARCHEX Reviews

CARCHEX helps you purchase and maintain your car by offering various vehicle products, including extended auto warranties. Rather than offering its own plans, CARCHEX works with multiple third-party warranty providers. These vehicle service contracts cover repairs due to mechanical failures or malfunctions but not collisions. Plans also come with additional benefits like roadside assistance and towing.

Pros & Cons


  • Available in California
  • Partners with charities
  • Accepts high-mileage cars
  • Lower-cost plans available


  • Doesn't cover exotic vehicles
  • Some contracts aren't renewable

Bottom Line

Consider CARCHEX if you’re looking for an extended auto warranty, especially if you have a high-mileage vehicle. Although its contracts can be confusing, company representatives can help you understand what you're signing.

Featured Reviews

Fl, FL

The sign up process was really simple and easy. The associate gave me a lot of information and answered all of our questions. ... I had hard questions and if he didn't know the an...

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Jemison, AL

I spoke to a young lady at CARCHEX. ... She was there to help me and she didn't let anything stop her. She was able to lower the price. The plan sounded like a pretty good deal. I...

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CARCHEX warranty cost

The average price of a five-year contract with CARCHEX is about $1,500. Expect to pay approximately 2 cents per mile of coverage. However, costs vary based on your vehicle’s mileage, year, make and model. The best way to get a better idea of your cost is to get a quote directly from CARCHEX.

CARCHEX lets you pay for your extended warranty over a maximum of 24 months. No down payment is required during this period. CARCHEX accepts all major credit cards, and it has a 30-day, money-back guarantee in case you decide CARCHEX isn’t right for you.


CARCHEX offers five coverage levels that span 16 different warranty plans from different providers.

Plan nameType of coverageTerm lengthsIdeal for
Titanium CoverageBumper-to-bumper7 – 10 yearsComprehensive coverage
Platinum CoverageStated-component5 – 10 yearsShort-term coverage
Gold CoverageComprehensive5 – 10 yearsVehicles with over 60,000 miles
Silver CoverageEssential5 – 10 yearsBasic coverage
Bronze CoverageMajor systems5 – 6 yearsAffordability

Every CARCHEX warranty is, at a minimum, a powertrain warranty. This means that your vehicle’s transmission, drive axle(s) and engine are covered along with the other components that send power to the wheels.

CARCHEX coverage

CARCHEX’s coverage is available for vehicles with up to 250,000 miles. This coverage kicks in after a waiting period of 30 days and 1,000 miles, but this is a fairly standard requirement among extended auto warranty providers. Once you’re past the waiting period, CARCHEX covers authorized vehicle repairs made at licensed service facilities. You can use its mobile app or website to find a vehicle repair facility near you.

All of CARCHEX’s plans are transferable, and coverage is available in California, which isn't true of many warranty providers. However, not every warranty is renewable.

Additional benefits from CARCHEX include:

  • Towing
  • Vehicle lockout services
  • Rental car coverage
  • Roadside assistance
  • Emergency fuel delivery

You can also opt for emissions coverage, key fob protection and luxury electronics coverage.

A CARCHEX auto warranty won’t cover everything, though. Modified or aftermarket components aren’t covered, including lift kits or trailer hitches. CARCHEX also doesn’t cover regular maintenance items like oil changes or consumable parts like tires, wiper blades and spark plugs. Check your vehicle service contract for details.


What does CARCHEX cover?

CARCHEX offers five levels of coverage, with 16 plans available through its various providers. These plans range from bumper-to-bumper to powertrain coverage.

  • The Titanium tier provides bumper-to-bumper coverage.
  • Platinum plans offer CARCHEX’s highest level of stated-component coverage.
  • Gold-tier warranties provide comprehensive coverage, including major vehicle components.
  • Silver programs offer essential coverage for major vehicle systems.
  • Bronze contracts are CARCHEX’s lowest level of coverage, often covering the vehicle’s powertrain.
Is CARCHEX legitimate?

Yes, CARCHEX is a legitimate company that partners with multiple warranty providers and is registered with reputable third-party organizations.

Where is CARCHEX available?

CARCHEX is available in all 50 states. Check the company’s website to make sure there’s an authorized repair facility near you.

Is CARCHEX worth it?

CARCHEX is worth it if you’re considering an extended auto warranty. Its coverage and additional benefits, like roadside assistance and fuel delivery, can provide peace of mind and save you money. Plus, its app makes it easy to find a licensed repair facility.


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Customer ServiceCoverageSales & MarketingPunctuality & Speed

Reviewed Sept. 21, 2023

There was an ad on Facebook for CARCHEX and I clicked on it. They didn't call me and aggravate me with a bunch of promotional calls. There's this one company that is a very prominent name and they aggravate people so badly with calls that I decided a long time ago I wouldn't buy their product if it was the only one on earth. I called the CARCHEX phone number and was connected to someone who was very helpful.

In receiving my written contract, I sometimes scratched my head as I sat here last night and read through that. I'm beginning to wonder what is covered under that contract and what will I actually get in the event that my car does have serious issues. One other thing that I had to read two or three times was the fact that it's so many months or so many miles before the contract ever kicks in. The other part that I question and wonder about is having to have everything approved ahead of time before I can have any work done on my car. But I would have to take the car to a garage first before I know what's wrong with it and then I gotta make phone calls and get somebody on the other end to understand what they're talking about. I'm not sure how helpful this policy is gonna be but I'm gonna try it for a while and see how it goes with it.

I hope I'm not just throwing money away for no service when the time comes. My car is the very first one I ever had and I was in my 70s when I bought it. I'm now in my second year of being 80 and there are no issues with my car. I don't expect or anticipate any. But in the event that something does happen, it's a good idea to carry that CARCHEX contract. So far, I've only been in contact with one person. The lady I talked to was very nice. I got a phone call the other day wondering if I actually had agreed to have that payment put on my credit card. I agreed to a one-time payment.

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    Verified purchase

    Reviewed Sept. 12, 2023

    I decided to check into CARCHEX and my experience was good with a fellow I spoke with. He clearly explained everything to me. I went back over it. And what I didn't understand, he re-explained. He was very patient. So, I decided to go ahead and sign up with him. He explained to me all of it that were perks. We came to a dollar amount arrangement and that helped to seal the deal. Perks are very important. People wanna see what they get for their money and that made it even more enticing for me to go ahead and select CARCHEX.

    He had to go over both packages. I was interested in knowing what was covered. I am not well-versed in all the mechanics of a car, but I listened carefully about what I wanted and I wanted the best protection for my car. That's how we arrived at my package. It was much easier than I thought it would be. And he made it simple and said, "And if you have any questions at all, you can contact us about anything." So, I felt rest assured that I was in good hands, that my car was protected and I had the peace of mind I needed and I just had to pay my monthly fee.

    The setup was easy, the information was comprehensive, that I had a clear understanding of what I was paying for and what I was getting for my money. And that if they wanted to have somebody, until they prove you wrong by their actions in not fulfilling the agreement, you can trust them. Until they prove me wrong, I'm okay with making my monthly payments.

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    Customer ServiceCoverage

    Reviewed Sept. 12, 2023

    I went online and checked Carchex, and I talked to the guy. I was impressed with the coverage and everything they had to offer. The deductible was $200 and I said I couldn’t do that because Endurance was giving me a $100 deductible. And the guy from Carchex said they could do the same thing. I told him to do it and not to screw me with another $100 from the beginning knowing well that Endurance was gonna give me that. So with my being a disabled veteran, I got a discount from them. The guy said he would send me a package and I asked if that was a problem. He said no. Carchex shouldn’t give me a hard time with getting my package in because Endurance did that to my buddy. It took him almost three weeks to get the package.

    Other agents from Carchex kept on calling me and I told them they needed to get themselves together. The agents are not communicating or they're not checking the computer that I already bought a policy. The first guy was trying to get me to do multiple cars and I said I still have a warranty on my truck. I'm not gonna do anything on my truck until my warranty has expired. So I'm just waiting. This guy was trying to pressure selling me that way and I told him not to do that. I'm not gonna deal with him until December when my truck is paid off. So then, I had this other money that I could work with. Today, this other guy calls me from CARCHEX, trying to talk me into getting that extended warranty on my truck. I said I already talked to Oscar and I already told him my situation. I said he should not bother me anymore or I'll forget about going with Carchex on my extended warranty on my truck.

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    Customer ServiceCoverageSales & MarketingPrice

    Reviewed April 22, 2023

    The CARCHEX rep and I were on the telephone for an hour, which was a very long time. I had a lot of questions. And there was a big push to get me to hurry up and agree to it and close the deal. They were going for the fast close. I asked questions about, "Was this commission based?" I know what the gig is, so I wouldn't feel pressured to rush myself through the process. I was very thoughtful as we worked our way through it.

    The funny part was, because I had researched it online, I knew what the price parameters were. They started out much higher than anything that they advertised. When I began to pause and have reservations, they started lowering the price. So by the time it was over, it had come down percentage-wise a bit. So, it was just a big game. I've thought about people that don't do any research and don't understand how the sales machine works, probably not a good thing, because they're probably paying more for it than they should.

    I liked the flexibility and where I could take my car for service, that there's no end date to it, your payments are fixed for however long you wanna maintain the plan. And I can cancel it anytime I want to. The only thing it doesn't cover is standard maintenance. I bought a used car, so I was looking for something that was all-inclusive. So if I keep it for 5 years, I keep it for 5 years. If I keep it for 10, I keep it for 10. But for right now, it fits my needs.

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    Customer ServiceCoverage

    Reviewed Nov. 28, 2022

    I found an email from CARCHEX so I gave them a call because I went online and I saw that CARCHEX was higher rated than Endurance, which I initially worked with. The representative that I talked to pointed out something very important, which is the limit of liability. I wasn't aware of that. My car is a 2011 BMW and it's a beautiful car. It's not new and it's only gonna go lower over time. The limit of liability to the value of the car renders the policy useless. By the end of the policy, you would have paid more money for the policy than what the car is worth. If you're gonna cover me for $5,000 and charge me $600 for the policy upfront, this is a scam. CARCHEX offered a $15,000 limit of liability, which is more than enough to fix whatever happened with the car. Even if it's something with the engine, the warranty still covers it.

    The rep I spoke with was perfect. He was very clear about what he was explaining. I reached out to him a couple of times on the call and he always answered. He was very informative and very respectful. I really liked the experience. The only thing with CARCHEX was I didn't get an email with my policy. Endurance sent me an email with the booklet type of thing. With CARCHEX, I got an email with a separate contract and the representative told me that I would be getting the actual policy in the mail. It's no big deal but I would have liked to get the actual policy.

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    Response from CARCHEX


    Thank you for your feedback! Very glad to hear we could assist in setting you up with coverage for your vehicle. Please reach out at any time should you have any additional questions regarding your plan. Thank you for choosing CARCHEX!

    Verified purchase
    Customer ServiceSales & MarketingPrice

    Reviewed Sept. 26, 2023

    The website made it seem like CARCHEX was a scam at first. I called the number that it gave me and I got transferred to somebody in sales. Then they transferred me to the sales rep and he was asking if I was calling for this other company. When I told him that I was calling for CARCHEX, he told me to hold on. He put me on hold and he never came back. So, I hung up. Then I called back and that was when it was all legit.

    The rep made it seem like everything would be fine and he had my back, which I appreciated. I hope that comes true when it's time for me to use the warranty. Also, he didn't try to upsell me and I had follow-up emails as well. But there wasn't a lot of perks. My representative made it seem like the coverage included mainly the transmission, engine and some extensions. But I kept asking what did he mean by the extension. He told me that the policy covers the air and the windows, but I'm not sure if it covers the battery. Other than that, I told my friend that I like CARCHEX. Most aftermarket warranty companies would request you to drive 1,000 miles and to wait 30 days. But CARCHEX would only require you to wait 25 days and only drive 500 miles. Then, it was for a price that was 15% less fees than the other companies. That's dope.

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    Verified purchase

    Reviewed Sept. 25, 2023

    The sales rep was very nice and answered all my questions. She was very detailed on how the process worked, what was covered and what was not. No one tried to sell me something that I wasn't looking for. She went through all the different products that they have. She told me what Carchex had for the specific amount and the best thing that was suitable for me according to what I was looking for. Then, she helped me compare one with the other. So, it was great.

    I own a Mercedes Benz and it has over 100,000 miles and I was looking for the big-ticket items such as the transmission, electrical, engine and cooking that are the big-tier prices on this kind of vehicle. The amount was reasonable for the stuff I was looking for and I like that the deductible is only $200. Most of the companies charge you a deductible of $1,000 and then, they cover the rest of it. So this one is only $200 which is good. I was paying about the same when I had the extended warranty that the dealership offers. I wish that everything was covered, like every little button on this car, because every part of this car is expensive. But some things are wear and tear, and so it doesn't work that way.

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    Customer ServiceClaims HandlingTechPrice

    Reviewed Sept. 24, 2023

    I've had CARCHEX for three years and it's like 3,000 each time I renew it. It was basically 1,000 a year. During that three-year period, I had my car in the shop for something minor. This time was the second time that I've ever had the car in the shop while under CARCHEX and they gave the dealership a hard time. The dealership compromised labor and other things that the car needed. I asked the dealership if CARCHEX is paying less than normal compared to other extended warranty companies and the dealership said that CARCHEX is paying less. That really irritates me because I just signed up with them for another year. Had I known this problem was gonna exist, I would have picked another company. I'm very disappointed that I signed up with them for another three years.

    They were easy to get on the phone when I needed to extend my policy. They were cordial and efficient. When I had a claim and my car was in the shop, they sent an adjuster out right away. They didn't hold up the repair process, which is a good thing. The problem lies in their not wanting to pay. I know the dealerships charge more for labor per hour than another guy on the side with a smaller shop and Mercedes did decrease their hourly rate as much as they possibly could. But when I have my adjuster who's been my guy since I bought the car tell me that they're paying less per hour than other warranty companies, then I'm very dissatisfied.

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    Reviewed Sept. 23, 2023

    The interaction with the rep was great when I signed up with Carchex. I have the highest plan with them but I hope I never have to use it. I got a Cadillac and the transmission fluid may be changed at 50,000 miles. I’m concerned that it says in the contract that you have to change the transmission fluid every 24,000 miles and if I don’t, that’s a reason for a denial in repairing it. So, that's a conflict of interest with what the factory warranty may be.

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    Customer ServiceCoverage

    Reviewed Sept. 22, 2023

    People should make sure they know what they're getting in their plan to know what's covered for their vehicle. When I spoke to the Carchex rep, he said my deductible would be $100, but once I got my documentation in my email, it said my deductible was 200. I had to call back for Carchex to change it. It was weird that I got something totally different than what we spoke about, but other than that, my experience was good.

    My policy covers things that could possibly go out, including the engine, the transmission, and the starter. Carchex will also pay for my rental car while the car is getting fixed. I have a 2017 Chevy Malibu, and it's already at 100,000 miles. I know that once they hit 100, that's when things start acting funny. I still might have to do a claim once my time is up to make sure, because I'm a traveler, and I don't want anything to happen to my car.

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    CARCHEX Company Information

    Company Name:
    Company Type:
    Year Founded:
    118 Shawan Road, Suite 210
    Postal Code:
    United States